There is no other way to put it, if you are riding without good motorcycle insurance you are just plain stupid. Most motorcycle owners have insurance but there will always be some that think it is not necessary, it is to expensive, they don't need it because they drive safe and many more excuses. When you are the one making these excuses, please read this article and make sure you are smart not stupid.
Why is good motorcycle insurance so important?
There is a big difference between car and motorcycle insurance for example it is possible to just insure your motorcycle and not yourself not that this is smart thing to do but it is a possibility. You can also cover bike, rider and people that will be riding pillion on your bike. Something not all motorcycle owners do but should be is cover bodily injury and damage to property. When you are in a accident and cause damage or even injury the cost can be extremely high, motorcycle insurance will be necessary to pay for those costs.dent that causes harm to other people.
If you already own a motorcycle or if you are planning to buy one you really need to get motorcycle insurance and we know it is something some of you bike owners do not give much adequate attention to, there really is no doubt about how useful this can be. It is very simple to find a good insurance company that insures motorcycles and when you already have a insurance for your car you can check out the same insurance company because most will give you discount if you take a motorcycle insurance with their company as well.
What type of motorcycle insurance?
The type of motorcycle insurance policy will depend on:
- coverage
- price
- type of motorcycle
- neighborhood
- driving record
- age
Take as much coverage as you can afford but at least the legal minimum requirements
There is of course no limit in the amount of coverage you can take but you should at least have the legal minimum requirements, and you need to be sure that you know what they are. There are a lot of options you can choose from in the amount and the type of the coverage but it is still up to you what you decide to take for your own protection. You can also ask for additional services like roadside assistance, glass insurance, towing costs. This last service can be extremely convenient when you take long distance trips and are not so good in repairing your motorcycle.
Discount if you take a course.
You can take a riding course with the Motorcycle Safety Foundation and some motorcycle insurance companies will give you ten percent discount on the insurance premium. The key messages of the Motorcycle Safety Foundation for bike owners are:
1. Get trained and licensed
2. Wear protective gear -- all the gear, all the time -- including a helmet manufactured to the standards set by the DOT
3. Ride unimpaired by alcohol or other drugs
4. Ride within your own skill limits
5. Be a lifelong learner by taking refresher rider courses
And last but not least the final tip to pay less premium if you really want to minimize the amount of premium a cruiser is cheaper to insure than a sports bike.
Got a Question? Ask.
Ask the community a question about this article:
Frequently Asked Questions
Crf450jetting
By: chuck murphy | 18-08-2008
I am looking for jetting setup for a 2007 crf 450 at Taylor park resevoir can anyone help
Where is a good place to buy amp and voltage meter ...
By: Carroll | 18-08-2008
Where is a good place to buy amp and voltage meter for motorcycles?
Can one with bad credit really buy a house?
By: tangie | 17-08-2008
can one with bad credit really buy a house?
What is the name of the song used in the ...
By: mellie | 17-08-2008
what is the name of the song used in the commercial for farmers identity theft?
Any Info on how to get Health Ins. Pooling ??
By: neeter | 17-08-2008
Do you know who I can get in contact with ,to get Health Ins. pooling with other small business, self employed ? Husband can not afford his BCBS. This years renewal prem went up $ 260.00 per month more than last year. To $860.00, it's like rent or house payment! This is for 1 person age 52 . Economy is so bad, hardly get to work. Income has dropped to about 1/4 of what it has been a year and half ago. we are going to have to drop health ins. if we can't find a different solution. Any suggestions ?? Thanks Juanita
What all cars share same lug pattern as lincoln ...
By: lisakay | 17-08-2008
What all cars share same lug pattern as lincoln ls?
Q&A Powered by:
Latest Automotive Articles
Best Review for the Undercover Tonneau Cover
By: Ken Bishop | 13/10/2008
If you are searching for a good truck bed cover for your truck then you need to read the best review for the Undercover Tonneau Cover. See if this truck bed cover if right for your truck.
The main advantage of this tonneau is that it gives enough protection in all...
The Truxedo Deuce Tonneau Cover Review
By: Ken Bishop | 13/10/2008
The Truxedo Deuce Tonneau is made by one of the leading manufacturers of truck bed covers. Their truck bed covers are well known for their quality and durability. They are more durable as they use the strongest fabric available in the market. In the case of certain tonneau covers, they...
Reasons Why Tires Fail and What You Should Do
By: Thomas Winn | 12/10/2008
Tires could well be the most important component on your car or truck, given that they affect the performance aspects of the car, including handling and acceleration to ride comfort and braking. Therefore, it's absolutely necessary to maintain your tires and they probably deserve more attention than any other components...
Buying a Used Car Online
By: Jay Gaulard | 11/10/2008
Whether purchasing an auto from an auction or automotive classifieds, always be careful. Buying a used car online can be tricky if you don't follow a few simple tips.
Auto Insurance Considerations When Moving House
By: Kade Phillips | 11/10/2008
Few of us live in the same location through the course of our lives. Every so often, for one reason or another, most of us have to to re locate. Discover how a house move can affect your car insurance rates and what you may be able to do to lessen the chances of a rate increase.
US Top 10 Bike Models
By: David H. Urmann | 11/10/2008
Mountain bikes, BMXs, Tandem Bikes, and Children Bikes belong to the top ten bicycle types and models sold by leading bike sellers in America.
The following is the list of bicycle types and models that are very popular among riders in United States.
Road Bikes
Road Bikes are built for...
Top Water For Fuel And HHO Kits - Water4gas Review
By: Al Draker | 10/10/2008
The internet is a powerful tool that can be used for a variety of research terms. Today it is more useful than ever when one is researching options to improve their gas mileage. There are a variety of videos and manuals that aim to help the non-mechanic to convert their...
Water For Gas Hydrogen Kit For Your Car
By: Hirtan Hirtani | 10/10/2008
The price of gas is astronomical these days. People are looking to buy gas saver cars and are all over the internet doing research on gas savers. There is a simple solution to this most perplexing problem and that is buying a hydrogen kit for your present automobile.
What is a...
More from Frank Strider
How to Avoid a Motorcycle Crash
By: Frank Strider | 29/09/2008 | Automotive
Lets just face the facts about the dangers of riding a motorcycle, a motorcycle crash does not happen very often, just about 4 percent of all crashes with vehicles are a motorcycle crash. This is a very low percentage but it does lead to 10 percent of all deaths in...
How to Get a Good Motorcycle Insurance Quote
By: Frank Strider | 19/09/2008 | Finance
When you buy a motorcycle you know you are also going to need insurance. To get the right insurance coverage at the right price you need a motorcycle insurance quote from multiple companies. There are different ways to do this and we are going to explain them in this article.
Internet...
Is a Motorized Wheel Chair Scooter an Option For You?
By: Frank Strider | 08/09/2008 | Automotive
There are many types of wheelchairs available and some of them are motorized. It is possible that a motorized wheel chair scooter is just the thing you are looking for. in this article we will let you find out if you have thought about everything to consider before you make...
Scooter Tuning is Not a Crime But You Need to do it Safe
By: Frank Strider | 15/08/2008 | Automotive
Some people might think it probably isn't legal to tune your scooter to the max, wile in fact in most countries it is. As long as your scooter still meets the standard safety prescriptions you can tune your scooter to the new and improved scooter you want it to be....
Who Needs Custom Motorcycle Insurance
By: Frank Strider | 02/08/2008 | Finance
When we buy a car we never doubt that we need to have car insurance by law, we also know we need a drivers license before we can drive that car and of all these facts we are aware even before we are at the designated age to drive. When...
Certain Performance Scooter Parts Can Boost Up Your Scooter
By: Frank Strider | 12/07/2008 | Automotive
Most people who have a love for scooters have probably bought, at one time or another, some old scooter like a Vespa or some other old world brand, there is noting more fun than riding a scooter that was around for more than sixty years ago. This scooter originates from...
How to Find Affordable Motorcycle Insurance
By: Frank Strider | 29/06/2008 | Automotive
When people need motorcycle insurance their natural instinct is to go for the most affordable motorcycle insurance that they can find. Fact is you need to look for all the options, it needs to be affordable, but also need to cover all you need. There is nothing more disturbing when...
Moped, Insurance, License, They All Belong Together
By: Frank Strider | 08/06/2008 | Automotive
The first thing you should do when you even start to think about buying a moped is start by checking the local laws. The next thing, after really buying the moped, is to go and license it as well. The money should not really be an issue because the insurance...
Automotive 
